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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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dj cano vs lloyds tsb


dj cano
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Hi Everyone I Would Just Like To Start By Saying Well Done To Every One Who Has Claimed Back Unfair Bank Charges, But Now I Need Some Help

 

So Far I Have Wrote 3 Letters 2 The Bank. Letter 1 Stated That I Was Owed £1100 For The Past 4 Years But I Was Only Able To Go Back 4 Years With Online Statements. So I Asked Lloyds To Go Back Six Years And Tell Me What The Total Amount Of Charges Would Be. There Response Was That They Wernt Going To Do Anything As They Thought That The Charges Were Fair.

 

Letter 2 Was Just A Quick Note To Say That Since Letter 1 I Had Been Charged A Further 100 Pounds And That I Would Like This Refunded Along With Any Other Charges. To This I Got No Reply.

 

Letter 3 Was A Letter I Got On This Forum Stating That I Would Like A Full List Of Charges That I Have Incured In The Past Six Years, That They Can Only Charge Me A Max Of £10 And That They Have 40 Days In Which To Reply. This Was Sent On 22/02/07.

 

I Have Now Recieved A Letter From The Bank Offering Me £750 And That It Will Go Into My Bank Within The Next 3 Days, Obviosly I Am Only Going To Accept This As Part Payment And Continue With My Claim. But I Have Still Not Recieved A Breakdown Of My Bank Charges So I Only Know Wat I Am Owed From The Last 4 Years. I Am Going To Need To Know Wat The Amount Is For Me To Proceed To Court.

 

 

Please Could Somebody Help

Thankyou :-)

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Hi

Firstly give them a ring to chase up your statements that you are waiting for on 0117 943 3133.

Then you need to send a letter rejecting the goodwill gesture:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Once you have got your statements and added it all up, you should send them the Preliminary letter:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Also have a read of the following links to help you with the process:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi i have finally recieved a breakdown of my charges from lloyds.

It states in the letter please find enclosed details of charges going back to the date you opened your account.

Included in these charges is O/DRAFT INTEREST im just wondering am i allowed to claim back these charges aswell.

 

Also i am thinking about writing them a letter saying that if they are prepared to pay me all my charges they dont run the risk of paying out interest that i will add at 8% and court costs that they will endevour if it goes so far. Is this a good idea or not?

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Hi

You can claim back parts of the o/d interest but not all, you would have to calculate which parts you can claim for on one of the spreadsheets. In my case the amount was not worth claiming.

To be honest I wouldn't bother writing to them with that letter, I don't think they would take any notice.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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How do i know which parts to claim my o/draft interest comes to about £500 would it be worth it. where would i find a spread sheet ? I already have a spread sheet to calculate adding interest to my charges.

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  • 1 year later...

Hi i was wondering if any1 could help me its been a while now since i last used this web site and alot of things to do with reclaiming bank charges i have forgotten. also i am hearing alot about test cases going to court is it now easier or harder now to make a claim?

 

The last stage i got to with the banks was that they offered me £750 which went straight into my account which i replied with a letter saying that i was going to claim everything that i was owed and that they could take this out of my account. This was in march 2007. Since then ive gained alot more charges but i am not sure where to restart as i got a bit lazy and never persued my previous claim. here is the last letter i sent

 

 

Response to settlement offer.

 

Dear Sir/Madam

 

Thank you for your letter dated 9/03/07

I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totaling £1206

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

If you are willing to accept my conditions I am prepared to wave a % of £481.38 which I have paid in overdraft interest and that i am entitled to, on the basis that these wouldn't have existed if you hadn't charged me excessive fees. You would also not have to pay any additional court costs that I would incur and also an extra 8% interest that I will apply to my overall charges.

I would be quite happy to settle on these terms and not go through with a County Court Claim. In respect of all this I feel that this would be a victory on your behalf, as I have the full backing of the Consumer Actions Group.

If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer and the money transferred to my account should not be viewed as my acceptance. I hereby authorize you to remove this sum accordingly.

 

I trust this clarifies my position and look forward to hearing from you soon

 

 

Yours faithfully

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